Introduction
As of August 7, 2026, credit union loan rates remain steady with some standout opportunities for members seeking affordable financing. The lowest personal loan APR is a remarkable 3.99% at Freedom Credit Union, offering an excellent option for those looking to consolidate debt or cover unexpected expenses. Baxter Credit Union continues to provide competitive choices too, with its credit builder loan and medical degree refinance loan both holding firm at 4.5% and 4.8%, respectively, great picks for specialized financial needs. For holiday planning or home improvements, Affinity Plus’s holiday loan at 6.24% and Americu’s home renovation loan at 9.49% offer solid value. Notably, most rates have held steady over the past month, giving borrowers confidence in locking in these terms today. Whether you’re aiming to reduce monthly payments or finance a big life event, today’s stable and competitive rates create a welcoming environment for smart borrowing.
Personal Loans
| Lender | Product | 2026-08-07 Current | 2026-07-23 15 Days Ago | 2026-02-08 180 Days Ago | 2026-07-08 30 Days Ago | 2026-06-23 45 Days Ago | 2026-06-08 60 Days Ago | 2026-07-31 7 Days Ago | 2026-05-09 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| FREEDOM CREDIT UNIONLOWEST | Personal loan | 3.99% | 3.99% | 9.99% | 3.99% | 3.99% | 3.99% | 3.99% | 3.99% |
| BAXTER CREDIT UNION | Credit builder loan | 4.5% | 4.5% | N/A | N/A | N/A | N/A | 4.5% | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | 4.64% | N/A | N/A | N/A | N/A | 4.64% | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | 4.8% | N/A | N/A | N/A | N/A | 4.8% | N/A |
| FIRST COMMERCE CREDIT UNION | Loan rates | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| SAN FRANCISCO FEDERAL CREDIT UNION | Personal loans | 4.99% | 4.99% | N/A | 4.99% | 4.99% | N/A | 4.99% | N/A |
| SPOKANE TEACHERS CREDIT UNION | Credit fit loan | 5.25% | N/A | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | N/A | N/A | 5.49% | 5.49% | N/A | 5.49% | N/A |
| AMERICU CREDIT UNION | Holiday loan | 5.75% | 5.75% | N/A | 5.75% | 5.75% | N/A | 5.75% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | 6% | N/A | 6% | 6% | N/A | 6% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Credit builder loan | 6% | 6% | 6% | 6% | 6% | 6% | 6% | 6% |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | 6.09% | 6.09% | N/A | 6.09% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Holiday loan | 6.24% | 6.24% | 5.99% | 6.24% | 6.24% | 6.24% | 6.24% | 6.24% |
| BAXTER CREDIT UNION | Secured line of credit | 6.75% | 6.75% | N/A | N/A | N/A | N/A | 6.75% | N/A |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.99%▲ 50 bps | 6.49% | N/A | 6.49% | 6.49% | N/A | 6.49% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner personal loan | 7.24%▲ 75 bps | 6.49% | 6.24% | 6.49% | 6.49% | 6.49% | 7.24% | 6.49% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Personal unsecured | 7.24% | 7.24% | 6.99% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% |
| BAXTER CREDIT UNION | Personal loan | 7.49%▲ 50 bps | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | N/A | N/A | 7.74% | 7.74% | N/A | 7.74% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner debt consolidation | 7.74%▲ 75 bps | 6.99% | 6.74% | 6.99% | 6.99% | 6.99% | 7.74% | 6.99% |
| GREYLOCK FEDERAL CREDIT UNION | Unsecured personal loan up to $25,000 | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% |
| SAN FRANCISCO FEDERAL CREDIT UNION | Debt consolidation loans | 7.99% | 7.99% | N/A | 7.99% | 7.99% | N/A | 7.99% | N/A |
| BAXTER CREDIT UNION | Personal line of credit | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% |
| BAXTER CREDIT UNION | Unsecured home improvement line of credit | 8.5% | 8.5% | N/A | 8.5% | 8.5% | N/A | 8.5% | N/A |
| AMERICU CREDIT UNION | Signature, personal & unsecured loans | 9.24% | 9.24% | N/A | 9.24% | 9.24% | N/A | 9.24% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | N/A | 9.49% | 9.49% | 9.49% | N/A | 9.49% | 9.49% |
| AMERICU CREDIT UNION | Home renovation loan | 9.49% | 9.49% | N/A | 9.49% | 9.49% | N/A | 9.49% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Personal loan (up to $2500) | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| AMERICU CREDIT UNION | Personal line of credit | 10.75% | 10.75% | N/A | 10.75% | 10.75% | N/A | 10.75% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Personal loan ($2501 to $5000) | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% |
| SPOKANE TEACHERS CREDIT UNION | Personal unsecured loan | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% |
| SPOKANE TEACHERS CREDIT UNION | Personal line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Premierline | 13.25% | N/A | N/A | 13.25% | 13.25% | N/A | 13.25% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Checkmate overdraft protection (up to $1000) | 14% | 14% | 14% | 14% | 14% | 14% | 14% | 14% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Personal line of credit | 15.24% | 15.24% | 14.99% | 15.24% | 15.24% | 15.24% | 15.24% | 15.24% |
| AMERICU CREDIT UNION | Quick cash loan | 17.99% | 17.99% | N/A | 17.99% | N/A | N/A | 17.99% | N/A |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | N/A | 18% | 18% | 18% | 18% | 18% | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | N/A | N/A | 18% | 18% | N/A | 18% | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
FREEDOM CREDIT UNION
As of August 7, 2026, FREEDOM's Personal Loan maintains a stable APR of 3.99%, unchanged over the past 7, 15, and 30 days. This consistent rate represents the lowest unsecured borrowing cost available among FREEDOM’s offerings, making it a strong option for members seeking predictable payments for various financial needs. Members considering debt consolidation or general personal financing can benefit from this fixed-rate loan’s transparency and affordability. For clarity in budgeting, compare this fixed APR with your borrowing goals and consider it if you prefer payment certainty. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of August 7, 2026, BAXTER's personal loan rates show stability across most products. Notably, the Personal loan APR rose to 7.49% from 6.99% last week, an increase of 0.5 percentage points (50 bps). Similarly, the Unsecured home improvement loan increased to 6.99% from 6.49% seven days ago. Other rates remain steady, including the lowest APR at 4.5% for the Credit builder loan, ideal for members establishing credit history. Members seeking secured options can consider the Secured line of credit at 6.75% APR, while those needing flexible borrowing might look at the unchanged Personal line of credit at 8.49%.
Members should compare fixed-rate and variable options carefully based on their borrowing goals and risk tolerance. For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of August 7, 2026, FIRST COMMERCE maintains a steady 4.99% APR across all personal loan offerings, with no changes over the past 7, 15, or 30 days. This consistent rate provides members access to affordable borrowing options without recent fluctuations in cost. The uniform 4.99% APR is notably competitive for unsecured loans and suits members seeking predictable payment terms. Members considering debt consolidation or signature loans will find this rate stable and transparent. To align borrowing choices with financial goals, review your needs carefully and consider fixed-rate products for payment certainty. For more details, visit https://www.firstcommercecu.org/rates/#rate-chart:~:text=Signature%20Loan%20Rates-,Term,-Annual%20Percentage%20Rate.
SAN FRANCISCO FEDERAL CREDIT UNION
As of August 7, 2026, SAN FRANCISCO credit union’s personal loan rates remain stable. The Personal loans product holds the lowest APR at 4.99%, unchanged over the past 30 days, making it suitable for members seeking affordable unsecured borrowing with fixed payments. Meanwhile, Debt consolidation loans maintain an APR of 7.99%, steady for the last month, offering a consistent option for members aiming to manage existing debts efficiently. Members should compare these fixed-rate products based on their borrowing goals and consider options that provide payment certainty. For more details, visit https://www.sanfranciscofcu.com/rates/.
SPOKANE TEACHERS CREDIT UNION
As of August 7, 2026, Spokane Teachers credit union’s personal loan rates remain stable with no changes in the past 30 days. The Credit fit loan offers the lowest APR at 5.25%, making it an attractive option for members seeking affordable borrowing. Both the Personal unsecured loan and Personal line of credit maintain steady rates at 11.24% and 11.74%, respectively, suitable for flexible borrowing needs. The Budget fit loan remains at a higher rate of 18.0%, reflecting its targeted use case. Members should compare fixed-rate products for payment certainty aligned with their financial goals.
For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of August 7, 2026, all UNITED STATES SENATE personal loan rates remain stable with no changes over the past 30 days. The Bridge to retirement loan offers the lowest APR at 5.49%, ideal for members seeking affordable borrowing tied to retirement planning. For unsecured needs, the standard Personal loan holds steady at 9.49%, while the Personal home improvement loan is available at a competitive 7.74%. The Premierline and Easyline maintain higher APRs at 13.25% and 18.00%, respectively, suited for members requiring flexible or revolving credit options. Members should compare these fixed-rate products carefully to align borrowing costs with their financial goals.
AMERICU CREDIT UNION
As of August 7, 2026, AMERICU personal loan rates remain stable across all products with no changes in the past 30 days. The Holiday Loan offers the lowest APR at 5.75%, ideal for members seeking short-term, affordable borrowing. For those planning home improvements, the Home Renovation Loan holds steady at 9.49%. The Signature, Personal & Unsecured Loans provide competitive unsecured rates at 9.24%, suitable for a range of borrowing needs. Members requiring flexible access may consider the Personal Line of Credit at 10.75%, while the Quick Cash Loan remains higher at 17.99%, reflecting its short-term convenience. Compare these fixed-rate options carefully to match your financial goals and payment preferences. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of August 7, 2026, GREYLOCK's personal loan rates remain stable with no changes over the past 30 days. The lowest APR is offered by the Unsecured personal loan up to $25,000 at 7.75%, suitable for members seeking higher loan amounts with competitive fixed rates. Smaller loans up to $2,500 carry a 9.99% APR, while loans between $2,501 and $5,000 are priced at 10.99% APR. The Fuel loan holds steady at 6.0% APR, ideal for short-term borrowing needs. Members should compare these options based on loan size and term length; consider fixed-rate products if payment predictability is important.
For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of August 7, 2026, PENTAGON's Personal Loans maintain a stable APR of 6.09%, showing no changes over the past 30 days. This consistent rate offers reliable borrowing costs for members seeking unsecured financing options. At 6.09% APR, this product represents the lowest available rate among Pentagon’s current offerings, suitable for those looking for predictable payments without rate fluctuations. Members considering debt consolidation or general personal borrowing may find this fixed rate beneficial. It is advisable to compare loan terms carefully and consider fixed-rate options to ensure payment certainty aligned with your financial goals. For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of August 7, 2026, AFFINITY PLUS personal loan rates remain mostly steady. The Credit builder loan holds the lowest APR at 6.00%, unchanged over the past 30 days, ideal for members building credit. Both the Holiday loan and Personal unsecured loans maintain consistent APRs at 6.24% and 7.24%, respectively. Notably, secured options like the Homeowner debt consolidation and Homeowner personal loan rates increased by approximately 0.75 percentage points (75 bps) compared to 30 days ago, now at 7.74% and 7.24% respectively. The Personal line of credit remains high and stable at 15.24% APR.
Members should compare fixed-rate products for payment predictability or consider credit builder loans for improving credit profiles.
For more details, visit https://www.affinityplus.org/rates/personal-loan.
LendMesh
When life moves fast, your financing options should keep up. At LendMesh, we help you explore personal loans that are built for real-world speed—quick approvals, simple applications, and trusted lenders. From handling surprise expenses to chasing new opportunities, you’ll find support every step of the way. Visit https://www.lendmesh.com/loans/personal_loans and move forward with clarity and confidence.
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Conclusion
When considering a personal loan, it’s crucial to focus on your financial goals, be it debt consolidation, emergency funds, or major purchases, and choose a product that fits your budget comfortably. Take advantage of the lowest APRs available now, such as Freedom Credit Union’s 3.99% personal loans, to save on interest costs over time. Remember to review terms carefully and explore options like secured vs unsecured loans depending on your credit profile and collateral availability. If you’re planning ahead for seasonal expenses or renovations, locking in stable rates today can prevent surprises later. Keep monitoring weekly rate updates and don’t hesitate to reach out to your credit union for personalized guidance. Staying informed empowers you to make confident decisions that protect your financial well-being, check back next week for new opportunities!